FISV
Fiserv
Financials · Transaction & Payment Processing Services · US
$55.48
✗ ETHICAL FAIL
UNKNOWN MOAT
MODERATE
Data Confidence: 71%
Some financial metrics pending
Market Cap
$29.6B
Trailing P/E
9.40
Forward P/E
6.20
Rev Growth
—
Profit Margin
—
ROE
—
Analyst Target
$70.23
Recommendation
HOLD
Ethical Screen
| Business Activity | FAIL |
| Debt Ratio | — |
| Cash Ratio | — |
| Receivables Ratio | — |
| Revenue Ratio | — |
| Overall | FAIL |
Score Ethical: 10.0
Score Valuation: 78.5
Score Quality: 30.0
Score Combined: 35.1
· Tier: AVOID
Opportunity Scores
Valuation100.0
Quality26.2
Cash Flow50.0
Moat40.0
Balance Sheet50.0
Debt Purity50.0
Liquid Purity50.0
Rev Purity50.0
Compliance100.0
Tier: BRONZE · Score: 48.5 · Rank: #2220
Earnings History (Last 8 Quarters)
| Date | EPS Est. | Reported EPS | Surprise % |
|---|---|---|---|
| 2026-07-22 | 1.93 | Pending | -- |
| 2026-05-05 | 1.58 | 1.79 | +13.5% |
| 2026-02-10 | 1.90 | 1.99 | +4.6% |
| 2025-10-29 | 2.65 | 2.04 | -22.9% |
| 2025-07-23 | 2.43 | 2.47 | +1.5% |
| 2025-04-24 | 2.08 | 2.14 | +3.1% |
| 2025-02-05 | 2.48 | 2.51 | +1.2% |
| 2024-10-22 | 2.26 | 2.30 | +1.6% |
Quarterly Financials
| Period | Revenue | Net Income | EBITDA | Gross Profit | Op. Income | EPS |
|---|---|---|---|---|---|---|
| 2026-03-31 | $5.0B | $571.0M | $1.8B | $2.7B | $835.0M | 1.07 |
| 2025-12-31 | $5.3B | $811.0M | $2.1B | $3.0B | $1.3B | 1.52 |
| 2025-09-30 | $5.3B | $792.0M | $2.2B | $3.1B | $1.3B | 1.46 |
| 2025-06-30 | $5.5B | $1.0B | $2.5B | $3.4B | $1.7B | 1.86 |
| 2025-03-31 | $5.1B | $851.0M | $2.2B | $3.1B | $1.4B | 1.52 |
| 2024-12-31 | — | — | — | — | — | — |
Insider Transactions
| Date | Name | Role | Shares | Value |
|---|---|---|---|---|
| 2026-02-18 | TODD PAUL M | Chief Financial Officer | 45,231 | -- |
| 2026-02-18 | LYONS MICHAEL P | Chief Executive Officer | 309,158 | -- |
| 2026-02-18 | ROSMAN ADAM L | Officer | 65,665 | -- |
| 2026-02-18 | BEST KENNETH | Officer | 15,871 | -- |
| 2026-02-18 | GELB ANDREW | Officer | 62,094 | -- |
| 2026-02-18 | SURYADEVARA DHIVYA | Chief Executive Officer | 101,572 | -- |
| 2026-02-18 | GEORGAKOPOULOS PANAGIOTIS | President | 182,512 | -- |
| 2026-02-17 | LYONS MICHAEL P | Chief Executive Officer | 13,176 | -- |
| 2026-02-17 | ROSMAN ADAM L | Officer | 7,981 | -- |
| 2026-02-17 | GELB ANDREW | Officer | 8,669 | -- |
Top Institutional Holders
| Holder | Shares | Value | % Held |
|---|---|---|---|
| Dodge & Cox Inc. | 50.3M | $2.9B | 0.1% |
| Blackrock Inc. | 39.9M | $2.3B | 0.1% |
| Vanguard Capital Management LLC | 33.1M | $1.9B | 0.1% |
| State Street Corporation | 23.7M | $1.4B | 0.0% |
| Vanguard Portfolio Management LLC | 21.2M | $1.2B | 0.0% |
| Harris Associates L.P. | 19.7M | $1.1B | 0.0% |
| Capital World Investors | 13.9M | $794.3M | 0.0% |
| Geode Capital Management, LLC | 13.2M | $751.4M | 0.0% |
| Federated Hermes, Inc. | 8.7M | $494.7M | 0.0% |
| Morgan Stanley | 7.9M | $453.5M | 0.0% |
Analyst Recommendations
3 Months Ago
36 analysts
2 Months Ago
36 analysts
Last Month
35 analysts
Current
36 analysts
Strong Buy
Buy
Hold
Sell
Strong Sell
Additional Fundamentals
Price/Book
1.16
1.16
Analysts
26
26
Rec. Mean
2.64
2.64
Trade Consideration
The Opportunity
Score 35.1 (P31 — top 69.4% of scored tickers). Unknown Moat. Ethical FAIL. 27 analysts at Hold.
Price: $55.48 | Target: $70.15 (+26%)
Score
35
Moat
UNKNOWN
Conviction
Standard
Upside
+26%
The Fundamentals
Revenue Growth0.0%
Profit Margin0.0%
Forward P/E6.2
Market Cap$29.6B
Earnings Track Record
| Date | Estimate | Reported | Surprise |
|---|---|---|---|
| 2026-07-22 | $1.93 | Pending | — |
| 2026-05-05 | $1.58 | $1.79 | +13.5% |
| 2026-02-10 | $1.90 | $1.99 | +4.6% |
| 2025-10-29 | $2.65 | $2.04 | -22.9% |
| 2025-07-23 | $2.43 | $2.47 | +1.5% |
| 2025-04-24 | $2.08 | $2.14 | +3.1% |
Position Sizing Scenarios
Stop: $47.16 (-15%) | Entry: $55.48
| Shares | Cost | Profit to Target | R:R |
|---|---|---|---|
| To Consensus ($70.15, 27 analysts) | |||
| 10 | $554.80 | +$146.70 (26%) | 1.8R |
| 50 | $2,774.00 | +$733.50 (26%) | 1.8R |
| 100 | $5,548.00 | +$1,467.00 (26%) | 1.8R |
Risk Factors
- No elevated risk flags in current data
The Verdict
Fiserv holds a unknown competitive moat.
Quantitative Grade
A single score combining all analytical layers below. A is strongest, D is weakest.
C
Quant Score
41.2
Risk Grade
LOW_RISK
Layers
8
Quality: CONSISTENT_BEATER
Risk Profile
How much could this ticker lose on a bad day? These metrics measure worst-case scenarios from historical data.
VaR 95%
-2.7%
worst expected daily loss, 19 in 20 days
CVaR 95%
-8.4%
avg loss on the worst 5% of days
Annual Volatility
—
Sortino Ratio
-0.71
above 1.0 is good
Max Drawdown
-78.0%
Worst Day
—
Forward Outlook
Based on 10,000 simulated price paths, here is the probability of where this ticker could be in 30, 60, and 90 days.
30d Prob Up
—
90d Prob Up
—
Median Return 30d
—
Liquidity Score
77
Liquidity Grade
LIQUID
Trend & Momentum
What direction is this ticker actually moving, filtered through noise? Is it speeding up or slowing down?
Kalman Trend
—
Trend Strength
—
Momentum Signal
—
HMM Regime
—
RSI Signal
—
Technical Signals
Classic chart signals that institutional traders monitor. Golden Cross is bullish, Death Cross is bearish.
MA Crossover
BELOW_200
Bollinger Position
LOWER_HALF
Beta
—
Relative Volume
0.8x
Short Interest
—
Financial Health
Is this company financially sound? The Z-Score measures bankruptcy risk. The F-Score measures fundamental strength.
Altman Z-Score
—
—
below 1.81 = distress zone
Piotroski F-Score
—
Earnings Beat Rate
87.5%
Earnings Consistency
—
Correlations
These tickers tend to move together (positive) or in opposite directions (negative). Useful for portfolio diversification.
Most Correlated
| Ticker | Correlation |
|---|---|
| LRN | 0.674 |
| VRNS | 0.669 |
| ADP | 0.441 |
| AVTR | 0.418 |
| SLGN | 0.407 |
Inverse Correlated
| Ticker | Correlation |
|---|---|
| CMBMF | -0.278 |
| PUMP | -0.267 |
| FLS | -0.216 |
| 2382.SR | -0.188 |
| ABVX | -0.183 |
Seasonality
Does this ticker have consistent patterns on certain days or months? Historical tendencies, not guarantees.
Best Day
Friday
Worst Day
Thursday
Best Month
Feb
Worst Month
Oct
Fri-Mon Effect
0.08565558750698127
Earnings Drift
After this company beats earnings, does the price keep going up? Drift tracks post-earnings momentum.
Avg Drift After Beat
-1.6%
Beat Drift Positive %
33.3%
Consistency
—
Momentum Rankings
How does this ticker's recent performance compare to the entire universe? Ranked across 1, 3, 6, and 12-month returns.
1M Return
-8.6%
3M Return
-6.0%
6M Return
-7.0%
12M Return
-65.7%
Momentum Rank
#3934
Momentum Signal
DOWN